Listed at
$784,900
$209/sqft

Victor Gardens

4506 Cosette Lane, Hugo, MN, 55038
4  Bedrooms4  Bathrooms3,751  Square Feet0.199  Acres
Days on market199
Year built2026
Garage spaces2
HOA / month$317
TypeResidential
Est. $20,547buyer credit when you buy with SODL
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About this home

Here is your opportunity to custom finish this well designed 4 bedroom, 4 bathroom under construction home in the popular Victor Gardens neighborhood! Home is framed up, Marvin windows are installed and the 30 year Architectural shingle roof is on! Next week the LP Smartsiding exterior will begin installation! Interior finishes are inspired by Willaby Way Interior Design based out of White Bear Lake. Extensive landscaping plan will be executed once the weather permits! Set up a showing and walk the floor plan and look at all the proposed selections on the vision boards set up inside the property. Buyer can still make changes if they act soon!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2026
LevelsTwo
Living area3,751 sqft
Above-grade finished2,649 sqft
Below-grade finished1,102 sqft
Lot size0.199 acres (70 x 125)
Days on market199
ListedMar 13, 2026
New constructionYes
MLS #NST7036808
CountyWashington
SubdivisionVictor Gardens
Parcel #1903121320039

Facts & features

Interior

Bedrooms
4
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Gas Water Heater, Range, Refrigerator, Stainless Steel Appliances

Property

Levels / stories
Two
Garage
2 spaces · 22 x 22 · 490 sqft
Parking features
Attached Garage, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch
Covered, Deck, Front Porch, Porch, Rear Porch, Screened
Exterior features
Engineered Wood
Pool
Shared

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Concrete
Foundation
8 ft+ Pour · 1,312 sqft
Roof
Age 8 Years or Less, Architectural Shingle
New construction
Yes

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision
Victor Gardens
HOA
$317/quarter
HOA name
Associa MN
HOA phone
7632256400
HOA includes
Sanitation, Shared Amenities
School district
624 - White Bear Lake

Financial & listing details

Annual tax
$1,820 (2026)
Listed
Mar 13, 2026
Days on market
199
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementDrain Tiled, Egress Window(s), Finished, Full, Concrete, Storage Space, Sump Basket, Sump Pump
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryGas Dryer Hookup, Laundry Room, Upper Level, Washer Hookup
AppliancesAir-To-Air Exchanger, Dishwasher, Gas Water Heater, Range, Refrigerator, Stainless Steel Appliances
DiningBreakfast Area, Kitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Kitchen Center Island, Primary Bedroom Walk-In Closet, Paneled Doors, Porch, Washer/Dryer Hookup
AccessibilityNone
Special features2nd Floor Laundry, 3 BR on One Level, Divided Bdr Flr Plan, Primary Bdr Suite

Exterior & lot

ExteriorEngineered Wood
RoofAge 8 Years or Less, Architectural Shingle
Foundation8 ft+ Pour
Foundation area1,312 sqft
Patio/porchCovered, Deck, Front Porch, Porch, Rear Porch, Screened
Lot featuresSod Included in Price
Road frontageCurbs, Paved Streets, Sidewalks
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage
Garage spaces2
Garage size490 sqft

Financial details

Annual taxes$1,820
Tax year2026
Taxes w/ assessments1820
Assessment pendingNo
HOA fee$317
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District624 - White Bear Lake
District number624
District phone6514077500
High schoolWhite Bear Lake
SODL flat fee brokerage
$20,547Estimated buyer credit
SODL platform fee $3,000Your buyer credit $20,547

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$4,855/mo
Principal & interest$4,125
Property taxes$152
Home insurance (est.)$262
HOA fees$317
%
$156,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

4506 Cosette Lane, Hugo, MN, 55038

Listing information

MLS #NST7036808
StatusActive
Last updatedSep 26, 2026, 8:56 PM
Originally listedMar 13, 2026, 11:54 PM
Listing officeColdwell Banker Realty

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.